Public Adjuster

A public adjuster is an independent insurance professional who works for YOU, not the insurance company. They help policyholders document losses and negotiate claim settlements.

What They Do:

• Evaluate your policy coverage
• Document your losses thoroughly
• Prepare and file your claim
• Negotiate with the insurance company
• Advocate for a fair settlement

  When to Consider One:

• Large or complex claims
• Claim has been denied or underpaid
• You're overwhelmed by the process
• You disagree with the insurer's assessment
• Commercial property claims
• You don't have time to manage the claim

  How They're Paid:

Public adjusters typically work on contingency, taking a percentage of your claim settlement (usually 5-15%). No recovery = no fee in most cases.

Finding a Public Adjuster:

• Check licensing in your state
• Verify NAPIA membership (National Association of Public Insurance Adjusters)
• Read reviews and check references
• Understand their fee structure
• Get the agreement in writing

  Important Notes:

• They work for you, not the insurance company
• Company adjusters work for the insurer
• Independent adjusters are hired by insurers
• Only public adjusters represent policyholders